Market Overview
Home Prices in Kuttawa, KY
The median home value in Kuttawa, KY is $218,975 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.2% compared to a year ago and up 5.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kuttawa are priced47% below average.
Over the past five years, Kuttawa home values have risen by approximately36.7%, reflecting strong long-term appreciation in this market.
Price History
Kuttawa Home Price Trend
2020
$133,543
$134K
—
2021
$160,213
$160K
+20.0%
2022
$195,648
$196K
+22.1%
2023
$198,229
$198K
+1.3%
2024
$215,167
$215K
+8.5%
2025
$226,240
$226K
+5.1%
2026
$218,975
$219K
-3.2%
City Comparison
Kuttawa vs. National Median
🏠 Kuttawa
$218,975
National Median
$410,000
At $218,975, homes in Kuttawa cost 47% below the national median of $410,000. This makes Kuttawa a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kuttawa?
20% Down Payment
$43,795
on $218,975
Monthly P&I
$1,142/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,450/mo
incl. taxes & insurance
Income Needed
$58,000
gross annual (30% rule)
10% Down Option
$21,898
+ PMI applies
Loan Amount (20% dn)
$175,180
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Kuttawa, KY?
The median home value in Kuttawa is $218,975 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.2% year-over-year.
How much have home prices changed in Kuttawa?
Over the past year, home values in Kuttawa have decreased by 3.2%. Over five years, prices have risen approximately 36.7%.
How much do I need to earn to buy a home in Kuttawa?
To comfortably afford the median home price of $218,975 with a 20% down payment ($43,795) at today's rates (6.8%), you'd need a gross annual income of approximately $58,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Kuttawa compare to the national average home price?
The national median home value is approximately $410,000. At $218,975, homes in Kuttawa are 47% below the national average.